Tuesday, June 29, 2010

One upside to the craziness of my "new" schedule is I have been able to do things like install a new closet system at home. I only have one small clothes closet and it was in desperate need of a face lift. Nothing fancy, just a Rubbermaid one from Lowes. I actually used the closet planning guide from Martha Stewart's web site and then got the Rubbermaid components for about 1/3 the price. I bought the components before the craziness of work happened. The components have been sitting on my bedroom floor for almost a month and I kept tripping over them. I think I was more tired of stubbing my toes than really motivated to organize the closet, but I'm happy I did do it.

Despite me having these manic mood swings about work, I decided to use some of my peppier energy to do things like re-organize and de-clutter my closet. I also trolled through my tee shirt collection, finally tossing out those old stained t-shirts that really don't fit. I did keep a couple to use as house rags, but the rest, trash can city. Did I really need that Oktoberfest 1984 T shirt that I never liked to begin with? I got a bag together of clothes to go to Goodwill. Right now I just don't see me losing those 25 pounds I gained during the BK to fit back into those pants. Let someone else use them, they were just taking up space in my house.

I also went through my dresser and purged socks, undies, and etc. Everything that was left was refolded and put back neatly. At least when I open my sock drawer, I will see neatly organized socks! In an odd way, it was very satisfying to tidy up my things. I still have to make some headway through my desk (which has become a disaster area), and the bathroom vanity.

Sunday, June 27, 2010

At the end of May I hurt my back and my neck. Nothing major thank goodness, but enough to send me to the doctor a few times, to physical therapy and to the massage therapist. Cost to me, about $1000. One of the pets decided it would be fun to break it's leg. Seriously, the pet broke his leg. Cost to the vet for X rays, casting, meds, $500. I'm lucky that the dog did not need orthopedic surgery. My primary vet (that I am slowly losing confidence in) sent me to a specialist muttering something about pins and screws. I was having night sweats, surgery would have been a around $1,000. The specialist told me the dog could get by on a cast and lots of crate rest. Where did this money come from. My now depleted E fund.

What happens next, my boss holds a meeting to tell the staff that the business will be changing, one partner leaving, and everyone's hours cut, mine included. Actually, as I posted earlier, the office is on the brink of shutting down unless plans, B, C, D somehow come to fruition.

I knew there was a reason I never put that application in for the FHA loan.

The good news of the past month.

I have pretty much recovered from my neck and back issue, the dogs leg has healed, and while I have no
E-fund anymore, I am at least current on all my financial obligations.

I still want to spend most of my free time huddled under the pillows watching Grey's Anatomy re-runs.

I've not deserted this blog, but things have gone just head over tip. Sigh, So I did the only thing I do well, which was to hide behind pillows and go why, why me-AGAIN.

Pretty much this past month, my office has been in the process of trying to find a new business partner. Seems one of the partners decided he wanted out, like ASAP. What does this mean, it means my job is in serious jeopardy. There is a very good chance our business will shut down.

And my bank account is really low due to some odd circumstances. It is way too much for me to go into right now, but I will post about it this week..

Thursday, May 20, 2010

One goal I had post BK was to qualify for credit again. Why many of you may ask when you filed Bankruptcy? Well, for a couple reasons. The big one is if I can get credit at reasonable rates and not have issues again, it's one of my ways that I will have bounced back. I was able to get a car loan, albeit at a slightly higher (well much higher) rate than I would have liked and I do now have a credit card.

I've been waffling in my decision to go forth with the application for the FHA rehab loan. I have all my paperwork that I know they will need, but I have not yet made that final leap. Why, well I'm not 100% sure. The lender is either going to say yes or say no. I guess it's because I'm going through one of my I- doubt -myself- phases. I'm feeling a bit down about life, work, both full and part time~ things just feel so stagnant and not like all is good and smooth, but all is sludgy. Is sludgy a word? And when I feel this way, I don't take rejection well at all. Right now I don't want to get "rejected" even though I know it is a possibility with the FHA loan.

Sooo what is Betty to do? Well I'm going to allow myself a few more days of self pity and then I am going to take out that extensive to do list of home repairs and remind myself that I simply can not do them by my lonesome or even do many of them with a friend or helper bee. These are home repairs that really can't be put aside much longer. I'm hoping this will motivate me to put in the application, cross my fingers, light a candle and hope for the best!

Tuesday, May 18, 2010

And got cable. Yup, not just cable, but internet and phone as well. What drove me to this, well, it was a $42 basic home phone bill (I use a calling card at 2c per minute for Long Distance) and a one year offer for a triple package for $55, no install fee, and unlimited local and long distance phone.

I ported over my phone number, I like the one I have and I have had cable TV for just over a week. And I'm really wondering if it's worth it. I've gotten so used to NOT watching a lot of TV. I read, watch DVDs, etc. Before the switch to all digital TV I got about 10 stations (some digital, some not) after the switch only 2, I even lost some of the digitial stations I had. My house is located in a bit of a dead zone, I can't even get mobile phone reception where I am, I have to go about 1/4 mile away to get any bars. I guess I should consider myself lucky that I even had two TV stations.

Even though this is not my TV watching season, I thought I'd try it out. Except that I spent a lot of time channel surfing 70 some odd channels going Crud, nothing on TV. I did watch about 30 minutes of an Undateable Marathon and wondered why I did (BECAUSE IT WAS ON).

Oh well, I've already made a note for my 2011 things to do list to review the cable package and maybe get rid of it or reduce it when it comes up for renewal.

About Me

I am a Baby Boomer who has taken the drastic step of personal bankruptcy. This blog is about my journey through the last stages of the bankruptcy application and what has happen to me from that point on. You also get my rantings and ravings as I re-learn some of lifes basic lessons on money managment. DISCLAIMER:I am not a financial expert! Any financial advice posted here has been taken from a variety of sources. I highly recommend you seek professional advice when it comes to you and your money. Let's face it, I've declared Bankruptcy! But hopefully I have learned from my experience. These links and blogs come from a variety of sources. Please do your research and make your decisions with what to do with your money and finances after consulting with a professional.